Date Received: 2021-10-02
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: Hi Sir, I have made a transaction on XXXX website for a pair of shoes on XX/XX/21 worth {$50.00}. Later on I found out that there two transactions were posted to my account. Here I disputed one of the transaction with my bank, and got the credit. On investing further I realized that XXXX has created two orders of the same shoes with order Id XXXX and XXXX. So I decided to return one pair. On XX/XX/21 the dispute went against me by the bank and bank charged me again {$50.00}. On contacting XXXX I learned that they had posted my refund but it was rejected my the bank. I again contacted the bank and their representative suggested me to request XXXX to post the refund again. In a live session XXXX posted and shared proof that bank is rejecting refund. I shared same with my bank. They raised a new dispute since there was problem at bank side and gave me the credit again. Now yesterday XX/XX/21 I again saw similar charges back on my card. I am attaching the proof I have and few conversations with the bank,
Company Response:
State: CA
Zip: 94568
Submitted Via: Web
Date Sent: 2021-10-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-02
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I have an apple credit card. I never used my physical apple card more than twice in its lifetime. I have used the 'digital ' number many times for online transactions. On XX/XX/XXXX at XXXX XXXX while I was home in XXXX my credit card 's digital number was charged {$1500.00}. I immediately got notification on my iphone and called apple to report unauthorized use of my card. Apple card started the dispute. I also attempted to call the merchant ( XXXX XXXX XXXX ) that evening to cancel whatever fraudulent order was placed however they could not assist me. On XX/XX/XXXX I was notified that the transaction was not resolved in my favor, an " The merchant provided suffecient evidence that I made the purchase ''. When I called and inquired with apple what proof was made for a fraudualnt transaction they could not provide me the proof and would 'mail me the documents which would take 7 days '. Eventhough Apple and Goldman Sachs both agree there is 0 % liability for unauthorized transactions I wonder why I am being held liable for this unauthorized transaction. I have re-initiated a dispute with apple card and now have to wait another 3 months for an answer. this whole process is very elongated, excludes the customer, and is at best stupid along with goldman sachs customer service.
Company Response:
State: NY
Zip: 10019
Submitted Via: Web
Date Sent: 2021-10-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-01
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I had linked my Marcus savings account to my XXXX in order to pay someone for a larger purchase ( vacation for a group trip, in which another person paid for the trip up front and we all had to pay her via XXXX ) and it was getting declined despite having adequate funds in the account. I called the customer service number, which was almost completely automated and made it extremely difficult to speak to a person. I spoke to a woman named either XXXX or XXXX ( I'm sorry I can't quite remember ) and explained the situation. She explained to me that I was not allowed to use the account for things like XXXX, paying bills, etc. I asked what the reason for that was and she reiterated that it just was not allowed and I could only transfer to another bank account. This seems extremely restrictive and there is really no good reason that I shouldn't be able to access my funds in any way I choose. This makes me especially anxious when considering Marcus has no physical locations. A transfer to my checking account takes a couple days and any other method that I might utilize my money, say by paying an urgent bill or unexpected expense is just " not allowed '' makes it seem like they are trying to implement rules for the sake of keeping the funds locked up tight. Although it is a savings, not a checking account, there are many, many conceivable reasons a person would need to access the funds in a way other than straight to a checking account. Further, it is not the Bank 's duty to police the ways in which a person can access their funds. XXXX nefarious activity, people should be free to access their funds in any way they choose. I'll be closing the account so it will no longer apply to me, but it should be noted that Marcus is being unnecessarily restrictive in their use of other peoples ' money.
Company Response:
State: IL
Zip: 60631
Submitted Via: Web
Date Sent: 2021-10-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-30
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: I ordered floor mats from a 3rd party on XXXX. I never received the floor mats but I was charged my credit card. I tried to contact the company I ordered from but they did not respond. I then contacted my credit card company to dispute. They said the merchant said I signed for it. I told them that was impossible. I work for a company that all overnights are signed by the receptionist as it is our procedure. Also, on the day they said I signed it, I was at our other location that day which would make it impossible for me to sign. All I was asking for was a credit for something I did not receive. I submitted the request 2 times.
Company Response:
State: NJ
Zip: 080XX
Submitted Via: Web
Date Sent: 2021-09-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-30
Issue: Fraud or scam
Subissue:
Consumer Complaint: this about my apple card, I received an email about 3 weeks ago that a new card has been sent to me, but i never received the card. Today I got another email to activate my card, which i never got and was not supposed to get a new card because my Apple card is working and not expired yet. I have contacted Apple card support right when I got the first email about a card been sent to me, also today to notify them of the second email I got today. I was told by Apple card rep. to notify you as well. Thank you, XXXX XXXX
Company Response:
State: CA
Zip: 93035
Submitted Via: Web
Date Sent: 2021-10-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-30
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: Here 's how everything went down in order : XX/XX/2021 : A payment was made with my stolen Apple Card number, presumably from the XXXX XXXX data breach, to XXXX for an amount of {$83.00}. Within the month of XXXX, I received XXXX different XXXX charges of {$83.00}. Apple and Goldman Sachs agreed to give credit for the fraudulent charges, all but that one charge of the same amount as the rest. As a result, I filed a dispute with Goldman Sachs and Apple and they agreed to give me provisional credit in the meantime. On XX/XX/XXXX, XXXX and Goldman Sachs informed me by e-mail that XXXX has provided the sufficient amount of evidence that I willingly made the purchase, and closed the dispute. I subsequently reached out to a Goldman Sachs representative to reopen the dispute. Today, XX/XX/XXXX, I received an e-mail from Apple and Goldman Sachs claiming that I did not provide additional evidence. I have not received any request contrary to what they said to provide any evidence. However on the conversation from XX/XX/XXXX, I provided sufficient evidence that these charges are fraudulent. There were multiple {$83.00} charges, all but one was singled out to be legitimate. Attached is a screenshot of the multiple charges brought upon by this fraudulent activity to XXXX. These are all transactions of this same amount, most of these were already reviewed and resolved, some were declined due to the replaced card number ( after asking Apple to change the card number and not just the virtual one ), and the one that Apple and Goldman Sachs insisted was a legitimate charge.
Company Response:
State: GA
Zip: 30044
Submitted Via: Web
Date Sent: 2021-09-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-30
Issue: Problem with a purchase shown on your statement
Subissue: Overcharged for something you did purchase with the card
Consumer Complaint: Signed up with XXXX XXXX for a 50 % offer around XX/XX/XXXX2021. Price should have been {$29.00} but they charged me full price of {$59.00}. I disputed with XXXX and they refused to help on email on XX/XX/XXXX21. I disputed the charge on my Apple Card which is handled by XXXX XXXX. They declined me on 4 separate occasions even though I have screen prints of the offer and provided to them on 3 separate occasions and I can provide to you if needed. Called in today XXXX/XXXX/21 at XXXXAM after being declined again and talked to a XXXX who refused to give last name and refused to close my account saying it must have a XXXX balance. Then requested to speak to a manager and XXXX gets on phone and also refuses to give a last name and finally agreed to close the account. I care about my credit score and I take it seriously. However, I refuse to pay {$30.00} for something I didnt agree to. In addition I have not used XXXX because I have been speeding the charges since XX/XX/XXXX.
Company Response:
State: MD
Zip: 219XX
Submitted Via: Web
Date Sent: 2021-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-29
Issue: Identity theft protection or other monitoring services
Subissue: Didn't receive services that were advertised
Consumer Complaint: My device has hacking software add to it
Company Response:
State: AL
Zip: 352XX
Submitted Via: Web
Date Sent: 2021-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-28
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I have contacted Apple Card Support, XXXX, XXXX, and XXXX many times to get this situation solved. Every time I apply for the Apple Card credit card, it declines me because of trades that I do not have open, since I do not have any trades. I have confirmed with all three credit bureaus ( XXXX, XXXX, and XXXX ) that it does not show anything about trades on any of my credit reports. Apple Card Support is also not very helpful, and does not know why it keeps declining me for the same reasons. Apple Card Support advised me to call XXXX, XXXX, and XXXX, which I have already done, and still am unable to get approved. I have attached the letter that Apple Card Support sent me via email about me being declined. I have also been working to try to get this Apple Card credit card for over a year, and I still can not get approved for the card, and it is just so frustrating. I could use all the help that I can get. Thank you!
Company Response:
State: IN
Zip: 46062
Submitted Via: Web
Date Sent: 2021-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-28
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: On XX/XX/XXXX a {$4000.00} check was mailed to Goldman Sachs Apple. The financial institution confirmed it cleared on XX/XX/XXXX. On XX/XX/XXXX the payment was reversed which lead to my first phone call. For the next couple of months I called at least 1x a week because the funds were not applied to my account NOR sent back to me. Multiple times I was told someone would get back to me that week and NEVER did. On XX/XX/XXXX I received an email that an error was had on their side and my check had been applied. I confirmed via phone that they would correct anything reported to the credit union as late during that time. They confirmed there were no late payments because they lost my check so I did not have my {$4000.00} nor was it applied. My credit report has not been updated to reflect their error.
Company Response:
State: FL
Zip: 324XX
Submitted Via: Web
Date Sent: 2021-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A